LifeTime Health Plan
  • Know About the Plan & its Variants
  • Explore the Features & Eligibility
  • Inclusions and Exclusions
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ManipalCigna Lifetime Health Plan

Manipal Cigna LifeTime Health Insurance is a reliable health plan that prioritizes your healthcare needs and looks after them. ManipalCigna Lifetime Health Plan offers a multitude of comprehensive benefits for domestic and global healthcare expenses. ManipalCigna Lifetime Health plan offers high-sum insured options available in the policy, ranging between Rs. 50 Lakh and Rs. 3 Crore which you can choose as per your requirements each, for coverages in India and abroad. ManipalCigna LIfetime Health offers coverage on an individual as well as family floater basis. The plan offers 2 variants: LifeTime Health India Plan & LifeTime Global Plan.

The plan covers you at every stage of life with benefits such as cover for medical and surgical expenses incurred due to treatment of any disease or injury. ManipalCigna Lifetime Health also offers AYUSH treatment expenses, organ donor expenses, mental care, modern and advanced treatment, HIV/AIDs and STD coverage, etc. ManipalCigna Lifetime Health is an excellent choice to cover yourself and your family members. The policy covers you for 1, 2, or 3 years as per your requirements.

ManipalCigna Lifetime Health Plan Specifications

Children Entry Age

91 days to 25 Years

Adult Entry Age

Maximum: 65 Years

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Sum Insured (in Rs.)

50 L | 75 L | 1Cr | 1.5 Cr | 2 Cr | 3 Cr

Initial Waiting Period*

30 Days

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your ManipalCigna Lifetime Health Plan

With wide coverage options, Lifetime Health plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: 50L - 3 Cr

In-patient & Out-patient Coverage

Room Rent

Upto SI

ICU Charges

Upto SI

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 180 days

Domiciliary Hospitalization

Up to 10% of SI

Daycare Treatment

Covered upto SI

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Available

Automatic Restoration

100% restoration of SI

Daily Hospital Cash

Covered Up to INR 2.5K

Organ Donor

Covered up to SI

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Not Available

Modern Treatment

Covered up to SI

Emergency Coverage

Ambulance

Covered up to SI

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Available

Health Check-Up

Available Annually

Second Medical Opinion

Available for 27 listed Major Illnesses

Vaccination

Not Available

Limitations

Co-payment

Not Applicable

Sub-limits

Not Available

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ManipalCigna Lifetime Health Plan?

For Global and India Plan Sum Insured 2 Cr - Covered up to any roomexcept for the suite or higher category

For Sum Insured 3 Cr Covered up to any room including suite category.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ManipalCigna Lifetime Health Plan?

Under this plan, ICU charges coverage is available up to the SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 180 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under ManipalCigna Lifetime Health Plan?

Under Lifetime Health Plan, domiciliary hospitalizations are covered by Up to 10% of the Sum Insured, for expenses incurred in India.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers expenses of all Day Care Treatments, availed in India, covered up to the full Sum Insured.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under ManipalCigna Lifetime Health Plan?

OPD is covered under the plan.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ManipalCigna Lifetime Health Plan?

COVID-19 treatment cover is unavailable under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan does not offer a No Claim Bonus.

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan reloads the sum insured amount by 100% for a subsequent and unrelated illness.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under ManipalCigna Lifetime Health Plan?

Rs. 2,500 under Health+ Optional cover for treatment of a Major Illness

Rs. 2,500 under Health+ Optional cover for Injury due to an accident.

Rs. 25,000 under Global+ Optional cover for treatment of a covered Major Illness, outside India.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ManipalCigna Lifetime Health Plan?

Under the plan, Organ Donor expenses are covered up to the SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under ManipalCigna Lifetime Health Plan?

Not covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under ManipalCigna Lifetime Health Plan?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under ManipalCigna Lifetime Health Plan?

AYUSH treatment is covered up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ManipalCigna Lifetime Health Plan?

Not Available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under ManipalCigna Lifetime Health Plan?

Under this plan, Modern treatment is covered up to SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers Ambulance charges up to SI.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan covers International Emergency Assistance Services (including Air Ambulance) available up to the full Sum Insured.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under ManipalCigna Lifetime Health Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under ManipalCigna Lifetime Health Plan?

Hospitalization coverage for major illnesses

Global Pre-Hospitalization expenses covered up to 60 days

Global Post-Hospitalization expenses covered up to 180 days

Global Ambulance cover is available

Global Vaccination covered up to Sum Insured

Advanced and modern treatments are available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan does cover the expenses for E-consultation if the policyholder opts for Health+ optional package.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan offers an Annual Health Check-up benefit from Day 1.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan covers the expenses for Second Medical Opinion for major illnesses if the policyholder opts for the Health+ optional package.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan covers vaccination up to SI.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under ManipalCigna Lifetime Health Plan?

Co-payment is not applicable.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Coverage status under ManipalCigna Lifetime Health Plan?

No sub-limits are available

Lifetime Health Plan Exclusions

Permanent Exclusions | Coverage after Waiting Period

Permanent Exclusions

Permanent diseases or health conditions that are not included under Manipal Cigna Lifetime Health plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion

AIDS

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 24 Months

ManipalCigna Lifetime Health Plan Benefits

Health Returns

Earn rewards by staying fit

Optional Covers

Avail enhanced protection with additional coverage options

Tax Benefits

Get tax relief under section 80D

Discounts

Avail Long-Term Loyalty Discounts

Health Returns

The plan lets the policyholder earn up to 30% of their premium as Health Returns if they follow a healthy lifestyle and stay fit.

Optional Covers

The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

The plan offers a 5% discount from the 4th policy year to the 7th policy year and a 10% discount from the 8th policy year onwards.

Explore Manipal Cigna Health Insurance

Know more about Know more about Manipal Cigna Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Contact Us

For any query related to the policy get in touch with the Manipal Cigna Health Insurance

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Explore ManipalCigna Health Insurance

Know more about ManipalCigna Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Comprehensive Plan

ManipalCigna ProHealth Prime

A comprehensive plan with SI up to 1Cr and 3 different variants. It is a versatile health insurance plan for your medical needs.

Unique Features

  • Unlimited Tele-consultation
  • Switch off your cover feature
  • Wellness program available

Comprehensive Plan

A high SI plan for women's medical requirements. The plan covers major critical illnesses including cancer treatment.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • Avail high sum assured

Comprehensive Plan

A comprehensive plan with 5 different variants suitable for individuals and young couples, offering sum insured up to 1Cr.

Unique Features

  • Avail family discount
  • Worldwide emergency protection
  • Avail healthy lifestyle benefits

Affordable Plan

An affordable plan that offers added coverage to the policyholder and keeps them covered above and beyond their basic health plan.

Unique Features

  • Avail no claim bonus
  • Customize plan
  • Avail Coverage from Critical Illness

Affordable Plan

ManipalCigna Pro Health Select

A fully customizable health plan according to your needs with ProHealth Select at an affordable premium.

Unique Features

  • 2 plan variants available
  • Avail customized features
  • Avail long term policy

Affordable Plan

ManipalCigna ProHealth Cash

The plan offers daily cash to the family members of the patient to cover the miscellaneous expenses.

Unique Features

  • Avail worldwide cover
  • Avail online wellness program
  • Lifetime renewal available

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

An affordable, standard health insurance plan for individuals and family members with up to 10L sum assured.

Unique Features

  • Affordable all India health coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Affordable Plan

ManipalCigna Corona Rakshak Policy

An affordable plan providing lump sum benefits equal to 100% of the Sum Insured on a positive diagnosis of Covid.

Unique Features

  • Avail lump sum benefit
  • Affordable premiums
  • All India coverage

Affordable Plan

ManipalCigna Corona Kavach Policy

A Standard health insurance plan for Coronavirus disease providing hospital to homecare treatment up to SI.

Unique Features

  • Discounts for health care workers
  • Avail Home care treatment
  • Avail AYUSH treatment

Critical Illness Plan

ManipalCigna Lifestyle Protection Critical Care

A protection plan that offers support to you and your family against up to 30 critical illnesses with a high sum assured to choose from up to 25Cr.

Unique Features

  • Upto 30 critical illnesses covered
  • Avail online wellness program
  • Plan variants available

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

A plan that provides complete protection, on and off the job, including death, disability, loss of job, and financial protection.

Unique Features

  • Loss of job covered
  • upto 10 Cr coverage
  • Avail Rider benefits

Accident Plan

ManipalCigna Saral Suraksha Bima

Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.

Unique Features

  • Avail Accident Death Cover
  • Avail Security for dependant child
  • Permanent Total Disability Cover

Group Plan

ManipalCigna Pro Health Group

A health insurance solution for Employer-Employee and Non-Employer-Employee groups. A plan offering sum assured up to 1Cr.

Unique Features

  • Customizable plans
  • 42 optional covers available
  • Avail Personal accident coverage

Group Plan

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum assured up to 50Cr and Umbrella cover of Group - Personal Accident and/or Critical Illness.

Unique Features

  • Flexible base and optional cover
  • Upto 36 critical illnesses covered
  • Cancer-only coverage available

Group Plan

ManipalCigna FlexiCare Group Insurance Policy

A plan offering sum assured up to 5 Cr and a range of covers including Accident, Mediclaim, Surgery, Domestic Travel, and Wellness.

Unique Features

  • Avail wellness packages
  • Customizable coverage
  • Avail home care benefits

Group Plan

ManipalCigna Group Overseas Travel

Group overseas travel insurance offers all-around coverages for business trips, vacations, and more. The plan offers a sum assured up to $ 50 Lac.

Unique Features

  • Customizable plan
  • Travel expense covered
  • Avail adventure sports cover

Group Plan

ManipalCigna Global Health Group Policy

A comprehensive group plan that covers Indian locals and expatriates working abroad under one umbrella with a sum assured of up to $ 10 Million.

Unique Features

  • Avail health care globally
  • Avail wellness package
  • Avail multiple optional covers

Manipalcigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network Hospitals are present in 30 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Health Insurance Articles

ManipalCigna Lifetime Health Plan: FAQ's

1. What are the sum insured options offered under the ManipalCigna LifeTime Health plan?

ManipalCigna LifeTime Health plan is available in two variants: Domestic Plan and Global Plan, with sum options of INR 50 lakh, INR 75 lakh, INR 1 crore, INR 1.5 crore, INR 2 crore, and INR 3 crore.

2. What are the waiting periods under ManipalCigna LifeTime Health Insurance policy?

The following are the waiting periods under the policy:

  • Initial waiting period: 30days
  • Waiting period for pre-existing diseases: 24 months
  • Waiting period for specific illnesses: 24 months

3. What is the eligibility criteria to buy a ManipalCigna LifeTime health plan?

Minimum age at entry: 91 days for Children and 18 years for Adults.

Maximum age at entry: 25 years for children under a floater and 65 for Adults

4. Is there an Exit Age under ManipalCigna LifeTime health plan?

ManipalCigna LifeTime Health plan can be renewed lifetime and there is no exit age in this policy.

ManipalCigna Lifetime Health Plan Review

Read what customers have to say about ManipalCigna Lifetime Health Plan Insurance.

Customer Review Image

Santokh Singh Sethi

Delhi

September 14, 2022

I was great experience with policyx, the way the compare the plan is very good and web site is also easy to understand... I will suggest go with Policyx only

Customer Review Image

Asleen

Indore

May 26, 2022

Good company, satisfied with the plan bought from ManipalCigna and also with all the benefits the plan provides me with.

Customer Review Image

jasvinder singh

Delhi

March 25, 2022

very nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.

Customer Review Image

diya sharma

Chandigarh

February 21, 2022

only big companies are trusted generally but new companies are also good. satisfied service and customer satisfaction is full

Customer Review Image

Ramesh Kumar

Hyderabad

November 22, 2021

they have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement

Customer Review Image

Ravi Rajora

Delhi

October 28, 2021

Quick reimbursement process with good and supportive claim team... customer care team is very efficient and helpful.

Customer Review Image

deepankar singh

Chandigarh

October 26, 2021

Good company with supportive customer care. I am very happy with the way the company settled my claim.

Customer Review Image

Vishal Malhotra

Jaipur

October 6, 2021

A few months back, I purchased a health plan from Manipal Cigna. I must say that the company offers helpful services

View All ManipalCigna Lifetime Health Insurance Reviews